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Directory of landlord insurance agents in Ham Lake, Minnesota. Verify credentials with the state department of insurance before hiring.
2 agents listed
Updated May 2026
Ham Lake, MN
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Minnesota before hiring.
Showing 2 landlord insurance agents in Ham Lake, MN
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Saarela Insurance Services-Nesbit Agencies
17565 Central Ave NE Suite 160, Ham Lake, MN 55304
(763) 434-4834
saarelainsurance.com
Pine Insurance
18015 Ulysses St NE STE 400, Ham Lake, MN 55304
(763) 413-7848
pineagency.us
Landlord insurance agents in Ham Lake, Minnesota help property owners find coverage for rental homes. Minnesota law does not require landlord insurance, but mortgage lenders often do. A local agent can explain how policies cover property damage, liability, and lost rental income.
What Does a Landlord Insurance Agent in Ham Lake Cost?
The cost of landlord insurance in Minnesota typically ranges from 15 to 25 percent more than a standard homeowners policy. For a single-family rental in Ham Lake, annual premiums often fall between 800 and 1,500 dollars. Factors like property age, location, and coverage limits affect the price. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does landlord insurance cover in Ham Lake Minnesota?
Landlord insurance typically covers the building, liability for injuries on the property, and loss of rental income if the home is uninhabitable. It does not cover a tenant personal belongings.
Is landlord insurance required by law in Minnesota?
No, Minnesota state law does not require landlord insurance. However, most mortgage lenders require it as a condition of the loan. An agent can help you meet lender requirements.
How do I choose a landlord insurance agent in Ham Lake?
Look for an agent licensed in Minnesota who has experience with rental properties. Ask about coverage for specific risks like frozen pipes or tenant damage, which are common in the area.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Minnesota.